15 Simple Financial Resolutions to Make Now

January is a month of financial strain for many who have spent beyond their means during the holiday season. This "financial hangover" makes money and budget top of mind as many consider New Year's resolutions. What better time to make changes that will lead to a brighter financial picture than at the start of the new year? The trick is to avoid setting unclear, overgeneralized goals that are difficult to measure or meet, like "save more" or "pay off my debt." Instead, identify a specific and measurable change you plan to make. The resolutions below may be small, but their impact can be remarkable over time. Resolve to:

Put $50 more per month toward retirement. If $50 is too much, make it $25. What better way to make your money work harder for you?